Date Received: 2018-06-27T00:00:00
Product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: On XX/XX/XXXX, I was informed that XXXX XXXX XXXX XXXX will have ownership of an unjustified debt that they claim I owe them. They never furnished me any documents from the original lender and assignees of the history and proof that they can collect on time-barred debt under the PA Statue of Limitations and FDCPA. I forwarded a debt validation within the 30 day period and both companies failed to respond within the time frame allowed under the Fair Debt Collection Practices Act. To date, I never contacted nor authorized XXXX XXXX XXXX XXXX nor Specialized Loan Servicing to pursue and force me into foreclosure when they can not fully, accurately, verify the debt in detail and all of the history of the alleged debt accusation. They have informed me via letter that thy are going to proceed with foreclosure actions should I not pay the entire amount owed within 15 days..normally a consumer under the FDCPA is given 30 days. This is another violation. In conclusion I never received a copy of the judgment against me.
XXXX XXXX XXXX XXXX XXXX XXXX is an assignee who can not produce any information referencing collecting on time-barred debt in PA nor furnishing documentation giving them authorization from the original creditor ( XXXX XXXX ) that they are the note holder and authorized to collect on a debt that was charged off. XXXX, XXXX XXXX, Specialized Loan Servicing , XXXX XXXX XXXX XXXX, XXXX has violated FDCPA by not responding to my debt validation letter within 30 days under the FDCPA and The Law Firm ( while ignoring my concerns addressing the FDCPA ) contuie to forward me letters stated that I must pay an inflated debt with 15 days being XX/XX/XXXX or they will proceed to foreclose. From my understanding of the FDCPA a consumer is given 30 days notice. Secondly, the letter from the Law Firm is confusing and misleading by stating information referencing foreclosure.
Please note others who are complaining about being forced into foreclosure with any remedy to justify a debt that was charged off. Please view : XXXX XXXX XXXX
Company: Specialized Loan Servicing LLC
State/Zip: NC 276XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2947541
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